{"id":4999,"date":"2025-10-17T13:45:09","date_gmt":"2025-10-17T18:45:09","guid":{"rendered":"https:\/\/www.northone.com\/blog\/?p=4999"},"modified":"2025-10-17T13:45:15","modified_gmt":"2025-10-17T18:45:15","slug":"lowest-transaction-fee-business-banks","status":"publish","type":"post","link":"https:\/\/www.northone.com\/blog\/business-banking\/lowest-transaction-fee-business-banks","title":{"rendered":"The 10 Online Business Banks With the Lowest Transaction Fees"},"content":{"rendered":"\n<p>If you\u2019re comparing platforms and asking, <em>what online <a href=\"https:\/\/www.northone.com\/blog\/business-banking\/best-small-business-bank-accounts\">business banks<\/a> have the lowest transaction fees?<\/em>\u2014you\u2019re doing exactly what lean operators do: protecting margin. Transaction costs hide in the fine print\u2014ACH, wires, mailed checks, ATM use, even \u201cexpress\u201d options\u2014and they add up. Here\u2019s a clear, apples-to-apples rundown of banks with notably low or transparent fee structures so you can move money without burning cash in the process.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_North_One\"><\/span><strong>1. North One<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>This bank\u2019s made for quick-moving business owners who want to keep their costs low. <a href=\"https:\/\/www.northone.com\/\">North One<\/a> keeps the basics inexpensive and predictable\u2014standard ACH and incoming wires are free, and you only pay when you need speed or specialized services. You also get a clean budgeting layer (Envelopes) that keeps tax, payroll, and rent money separated so you don\u2019t overspend.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cost_breakdown_Standard_Plan\"><\/span><strong>Cost breakdown (Standard Plan):<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Monthly fee:<\/strong> <a href=\"https:\/\/www.northone.com\/pricing\">$0<\/a><\/li>\n\n\n\n<li><strong>Standard ACH:<\/strong> $0<\/li>\n\n\n\n<li><strong>Same-day ACH:<\/strong> 1.5% (min $1, max $20)<\/li>\n\n\n\n<li><strong>Incoming domestic wire:<\/strong> Free<\/li>\n\n\n\n<li><strong>Outgoing domestic wire:<\/strong> $20<\/li>\n\n\n\n<li><strong>Checks\/mailed checks:<\/strong> $1 per physical check<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cost_breakdown_Plus_Plan\"><\/span><strong>Cost breakdown (Plus Plan):<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Monthly fee:<\/strong> $30\/month or $300 annually<\/li>\n\n\n\n<li><strong>Standard ACH:<\/strong> $0<\/li>\n\n\n\n<li><strong>Same-day ACH:<\/strong> $0<\/li>\n\n\n\n<li><strong>Incoming domestic wire:<\/strong> $0<\/li>\n\n\n\n<li><strong>Outgoing domestic wire:<\/strong> $15<\/li>\n\n\n\n<li><strong>Checks\/mailed checks:<\/strong> $0<\/li>\n\n\n\n<li><strong>Cash deposits:<\/strong> Up to $4.95 at Green Dot locations<\/li>\n<\/ul>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<span class='mb-center maxbutton-3-center'><span class='maxbutton-3-container mb-container'><a class=\"maxbutton-3 maxbutton maxbutton-apply-for-an-account\" title=\"Apply for a North One Account in less than 3 minutes.\" href=\"https:\/\/join.northone.com\/?utm_content=blog_inline\"><span class='mb-text'>Apply for an account<\/span><\/a><\/span><\/span>\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Mercury\"><\/span><strong>2. Mercury<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If your company is software-heavy and cashless, <a href=\"https:\/\/www.northone.com\/blog\/business-banking\/mercury-bank-review\">Mercury\u2019s<\/a> fee approach is compelling: ACH, domestic USD wires, and check payments are free. International payments in non-USD come with FX fees; you can also opt to cover intermediary charges for USD wires.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Monthly fee:<\/strong> $0 for core banking (paid plans exist for advanced workflows)<\/li>\n\n\n\n<li><strong>Standard ACH:<\/strong> $0<\/li>\n\n\n\n<li><strong>Same-day ACH:<\/strong> Available; core ACH is free (premium workflows may add cost)<\/li>\n\n\n\n<li><strong>Incoming domestic wire:<\/strong> $0<\/li>\n\n\n\n<li><strong>Outgoing domestic wire:<\/strong> $0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Bluevine\"><\/span><strong>3. Bluevine<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><a href=\"https:\/\/www.northone.com\/blog\/business-banking\/bluevine-vs-relay\">Bluevine\u2019s<\/a> Standard plan keeps most day-to-day activity free and posts its wire and expedited ACH fees plainly, which helps business owners with forecasting.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cost_breakdown_Standard_Plan-2\"><\/span><strong>Cost breakdown (Standard Plan):<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Monthly fee:<\/strong> $0<\/li>\n\n\n\n<li><strong>Standard ACH:<\/strong> $0<\/li>\n\n\n\n<li><strong>Same-day ACH:<\/strong> $10 per transfer<\/li>\n\n\n\n<li><strong>Incoming domestic wire:<\/strong> $0<\/li>\n\n\n\n<li><strong>Outgoing domestic wire:<\/strong> $15 per transfer<\/li>\n\n\n\n<li><strong>Physical checks:<\/strong> $1.50 per mailed check<\/li>\n\n\n\n<li><strong>Cash deposit (Green Dot): <\/strong>Up to $4.95 per deposit<\/li>\n\n\n\n<li><strong>Cash deposit (Allpoint+ ATM):<\/strong> $1 + 0.5% of the deposit amount<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cost_breakdown_Plus_Plan-2\"><\/span><strong>Cost breakdown (Plus Plan):<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Monthly fee:<\/strong> $30 (can be waived with qualifying spend\/balance)<\/li>\n\n\n\n<li><strong>Standard ACH:<\/strong> $0<\/li>\n\n\n\n<li><strong>Same-day ACH:<\/strong> $8 per transfer<\/li>\n\n\n\n<li><strong>Incoming domestic wire:<\/strong> $0<\/li>\n\n\n\n<li><strong>Outgoing domestic wire:<\/strong> $12 per transfer<\/li>\n\n\n\n<li><strong>Physical checks:<\/strong> Includes a set number of free mailed checks each month<\/li>\n\n\n\n<li><strong>Cash deposits (Green Dot\/Allpoint+):<\/strong> Same as Standard<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cost_breakdown_Premier_Plan\"><\/span><strong>Cost breakdown (Premier Plan):<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Monthly fee:<\/strong> $95 (can be waived with qualifying spend\/balance)<\/li>\n\n\n\n<li><strong>Standard ACH:<\/strong> $0<\/li>\n\n\n\n<li><strong>Same-day ACH:<\/strong> $5 per transfer<\/li>\n\n\n\n<li><strong>Incoming domestic wire:<\/strong> $0<\/li>\n\n\n\n<li><strong>Outgoing domestic wire:<\/strong> $7.50 per transfer<\/li>\n\n\n\n<li><strong>Physical checks:<\/strong> Includes a set number of free mailed checks each month<\/li>\n\n\n\n<li><strong>Cash deposits (Green Dot\/Allpoint+):<\/strong> Same as Standard<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Novo\"><\/span><strong>4. Novo<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><a href=\"https:\/\/www.northone.com\/blog\/business-banking\/novo-bank-alternatives\">Novo<\/a> is a solid pick for solo operators and small teams that want simple, low-cost movement and basic tools baked in. It also reimburses third-party ATM fees up to $7\/month and accepts incoming wires for free.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Monthly fee:<\/strong> $0<\/li>\n\n\n\n<li><strong>Standard ACH:<\/strong> $0 (express options available at added cost)<\/li>\n\n\n\n<li><strong>Same-day\/express ACH:<\/strong> 1.5% of the transaction amount ($0.50 &#8211; $20)<\/li>\n\n\n\n<li><strong>Incoming domestic wire:<\/strong> $0<\/li>\n\n\n\n<li><strong>ATM:<\/strong> Up to $7\/month in third-party ATM fee reimbursement<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Relay\"><\/span><strong>5. Relay<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><a href=\"https:\/\/www.northone.com\/blog\/business-banking\/relay-business-banking-review\">Relay\u2019s<\/a> tiers (Starter, Grow, Scale) bundle banking with spend controls and approvals. Standard ACH is $0 on every plan, while same-day ACH and wires get cheaper as you move up.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cost_breakdown_Starter_Plan\"><\/span><strong>Cost breakdown (Starter Plan):<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Monthly fee:<\/strong> $0<\/li>\n\n\n\n<li><strong>Standard ACH:<\/strong> $0<\/li>\n\n\n\n<li><strong>Same-day ACH:<\/strong> $5 per transfer<\/li>\n\n\n\n<li><strong>Outgoing domestic wire:<\/strong> $8 per transfer<\/li>\n\n\n\n<li><strong>Incoming wires via Payment Requests:<\/strong> $5 per transfer<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cost_breakdown_Grow_Plan\"><\/span><strong>Cost breakdown (Grow Plan):<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Monthly fee:<\/strong> $30<\/li>\n\n\n\n<li><strong>Standard ACH:<\/strong> $0<\/li>\n\n\n\n<li><strong>Same-day ACH:<\/strong> $3 per transfer<\/li>\n\n\n\n<li><strong>Outgoing domestic wire:<\/strong> $5 per transfer<\/li>\n\n\n\n<li><strong>Incoming wires via Payment Requests:<\/strong> $5 per transfer<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cost_breakdown_Scale_Plan\"><\/span><strong>Cost breakdown (Scale Plan):<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Monthly fee:<\/strong> $90 promotional \/ $120 standard<\/li>\n\n\n\n<li><strong>Standard ACH:<\/strong> $0<\/li>\n\n\n\n<li><strong>Same-day ACH:<\/strong> 10 free per month, then $1 each<\/li>\n\n\n\n<li><strong>Outgoing domestic wire:<\/strong> $5 per transfer<\/li>\n\n\n\n<li><strong>Incoming wires via Payment Requests:<\/strong> $5 per transfer<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6_Grasshopper_Bank\"><\/span><strong>6. Grasshopper Bank<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Grasshopper publishes a detailed fee schedule: ACH is complimentary, including same-day ACH, and incoming domestic wires are complimentary. Outgoing wires are low and predictable. Here\u2019s a cost breakdown for the Innovator\/Accelerator Tiers:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Monthly fee:<\/strong> $0<\/li>\n\n\n\n<li><strong>Standard ACH:<\/strong> $0<\/li>\n\n\n\n<li><strong>Same-day ACH:<\/strong> $0<\/li>\n\n\n\n<li><strong>Incoming domestic wire:<\/strong> $0<\/li>\n\n\n\n<li><strong>Outgoing domestic wire:<\/strong> $10<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"7_NBKC\"><\/span><strong>7. NBKC<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>NBKC keeps core costs low and is unusually cheap on wires. Just know that business ACH origination is a paid service.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Monthly fee:<\/strong> $0<\/li>\n\n\n\n<li><strong>Standard ACH:<\/strong> $0 per transfer, origination service fee of $15\/month or $150\/year<\/li>\n\n\n\n<li><strong>Incoming domestic wire:<\/strong> $0<\/li>\n\n\n\n<li><strong>Outgoing domestic wire:<\/strong> $5 per transfer<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"8_Axos_Bank_Basic_Business_Checking\"><\/span><strong>8. Axos Bank Basic Business Checking<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><a href=\"https:\/\/www.northone.com\/blog\/business-banking\/axos-business-checking-review\">Axos<\/a> keeps monthly and transaction fees to a minimum and rebates unlimited domestic ATM fees. It also offers two free outgoing domestic wires per month and free incoming wires.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Monthly fee:<\/strong> $0<\/li>\n\n\n\n<li><strong>Standard ACH:<\/strong> $0<\/li>\n\n\n\n<li><strong>Incoming domestic wire:<\/strong> $0<\/li>\n\n\n\n<li><strong>Outgoing domestic wire:<\/strong> 2 free per month; then standard fee applies<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"9_Lili\"><\/span><strong>9. Lili<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>For basic use, <a href=\"https:\/\/www.northone.com\/blog\/business-banking\/lili-business-banking-review\">Lili<\/a> Basic is fee-friendly: no monthly fee, free standard ACH, and fee-free in-network ATM withdrawals. Paid tiers add features, and the express ACH option uses a transparent percentage fee with caps.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Monthly fee:<\/strong> $0 (Basic); $15 Pro; $35 Smart; $55 Premium<\/li>\n\n\n\n<li><strong>Standard ACH:<\/strong> $0 (all plans)<\/li>\n\n\n\n<li><strong>Express ACH:<\/strong> 1.5% (min $0.50, max $20)<\/li>\n\n\n\n<li><strong>Incoming domestic wire:<\/strong> $0<\/li>\n\n\n\n<li><strong>Outgoing domestic wire:<\/strong> $15<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"10_American_Express%C2%AE_Business_Checking\"><\/span><strong>10. American Express<\/strong><strong><sup>\u00ae<\/sup><\/strong><strong> Business Checking<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Amex Business Checking suits card-centric businesses that want $0 monthly fees, $0 incoming wires, and easy digital banking. Some a-la-carte items\u2014like $25 outgoing domestic wires and $10 same-day ACH\u2014are predictable and easy to budget.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Monthly fee<\/strong>: $0<\/li>\n\n\n\n<li><strong>Standard ACH<\/strong>: $0<\/li>\n\n\n\n<li><strong>Same-day ACH<\/strong>: $10<\/li>\n\n\n\n<li><strong>Incoming wires (domestic\/international)<\/strong>: $0<\/li>\n\n\n\n<li><strong>Outgoing domestic wire<\/strong>: $25<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_Can_You_Keep_Fees_Low\"><\/span><strong>How Can You Keep Fees Low?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Banking fees can add up, so it\u2019s worth finding accounts that go out of their way to keep costs low. That said, the real savings come from daily habits. Here\u2019s a simple playbook:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Route payments by cost.<\/strong> Use free ACH for vendors who don\u2019t need instant settlement; reserve same-day ACH\/wires for payroll, critical payouts, or tight due dates.<\/li>\n\n\n\n<li><strong>Use sub-accounts or budgeting tools.<\/strong> Keeping tax and payroll funds quarantined lowers the odds of rush transfers.<\/li>\n\n\n\n<li><strong>Know your ATM and cash policy.<\/strong> If you handle cash, choose a bank with cash-deposit rails and ATM reimbursements. If you\u2019re online-only, pick a platform with free wires and free ACH.<\/li>\n\n\n\n<li><strong>Check the fee page quarterly.<\/strong> Banks update pricing. A five-minute scan protects your margin.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Cut_Your_Fees_and_Keep_More_Margin\"><\/span><strong>Cut Your Fees and Keep More Margin<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Your bank shouldn\u2019t nibble at every transaction. If you\u2019ve been wondering what online business banks have the lowest transaction fees, you\u2019ve got the short list above\u2014now pick the one that fits your workflow and volume.<\/p>\n\n\n\n<p>If you want a platform that gets out of your way and keeps core movement inexpensive, North One makes it simple: free standard ACH, free incoming wires, and clear, predictable pricing when you need speed. <a href=\"https:\/\/login.northone.com\/?mode=signup&amp;flow=0d567347-af6a-453c-9349-bd4a2751a211\">Open your North One business bank account<\/a> and keep more of what you earn.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019re comparing platforms and asking, what online business banks have the lowest transaction fees?\u2014you\u2019re doing exactly what lean operators do: protecting margin. Transaction costs hide in the fine print\u2014ACH,&#8230;<\/p>\n","protected":false},"author":19,"featured_media":5000,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[153],"tags":[],"class_list":["post-4999","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-banking"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The 10 Online Business Banks With the Lowest Transaction Fees<\/title>\n<meta name=\"description\" content=\"Cut costs with digital banks that keep fees low. 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